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Identity Theft & Credit Monitoring
Identity theft is one of the most egregious non-violent crimes that can be committed against a person. This occurs when someone decides to take your personal information without your given permission or knowledge. In reality, this crime is more than a minor inconvenience. It is an all-out assault on your finances and credit history and it can take a considerable of time to restore both if you’re not careful. These unscrupulous thieves can deflate your bank account, inflate charges on your credit cards, file tax returns in your name and even go as far as giving your name, address and other false information during their arrest. Sadly, even children are not safe from this despicable act, so it may be wise to every now and then check to see if your child has a credit report in their name. Having a the best protection plan in place is a must if you want to help prevent your identity from falling into the wrong hands.Fortunately, there are a several things you can do to when considering your which service to use. Educating yourself on the signs of a possible or attempted theft is vital these days. The Electronic Fund Transfer Act (EFTA) and The Fair Credit Billing Act (FCBA) provides protection if your ATM, credit or debit cards are lost or stolen. Aside from specific credit protection companies, many banks also offer these same types of services. Be mindful to never give out your Social Security number to strangers and/or organizations unless you are positively certain of their authenticity. If you do become a victim, following the proper steps to get your life back on track is of the utmost importance.
1 Based on projections from a 2013 Identity Fraud Report from Javelin Strategy & Research. http://www.identitytheftassistance.org/pageview.php?cateid=47
Credit scores are provided by CreditXpert based on data from the credit reporting bureaus.
**Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group‚ Inc. The description herein is a summary and intended for informational purposes only and does not include all terms‚ conditions and exclusions of the policies described. Please refer to the actual policies for terms‚ conditions‚ and exclusions of coverage. Coverage may not be available in all jurisdictions.